Monroe County property record for 504 Mary Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,332 sqft · built 1976 |
| Lot Size | 0.22 acres (9,537 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,050 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-382-052-000 |
| Primary APN | 07-25-382-052-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,332 sqft Building Perimeter |
| 1st Floor Area | 1,332 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 9,537 sqft (0.22 acres) |
| Garage Type | Built-in |
| Garage Area | 616 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 756 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 120 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 504 MARY DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 3 LAKEVIEW ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | LAKEVIEW ESTATES |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 600501 |
504 Mary Dr is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 504 MARY DR, WATERLOO, IL 62298-1401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU |
| Apr 6, 2017 | Deed of Trust, Mortgage · Conventional with PMI SCOTT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 504 MARY DR, WATERLOO, IL 62298-1401 |
| Document Number | 0000389938 |
| Instrument Date | May 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2017 |
| Title Company | ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 504 MARY DR WATERLOO IL 622981401, WATERLOO, IL 62298-1401 |
| Document Number | 0000389938 |
|---|---|
| Date | May 22, 2017 |
| Instrument | 389938 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | May 21, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 504 MARY DR, WATERLOO, IL 62298-1401 |
| Document Number | 0000389212 |
| Instrument Date | Apr 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2017 |
| Title Company | ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 504 MARY DR WATERLOO IL 622981401, WATERLOO, IL 62298-1401 |
| Document Number | 0000389212 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | 389212 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 11, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 504 Mary Dr was $4,050, up 7.4% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,050.00 (+7.4%) Homeowner's exemption | $72,130 Land $16,360 Building $55,770 | $216,390 Land $49,080 Building $167,310 |
| 2024 | $3,771.00 | ||
| 2022 | Additional exemption filed | $55,510 Land $15,140 Building $40,370 | $166,530 Land $45,420 Building $121,110 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 504 Mary Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 504 Mary Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERLOO serves 10,190 people · EPA ID IL1330300 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 30 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Wisper ISP.
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